retirement security, enhancing welfare by up to 20% of retiree plan accruals. …

Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often …-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD …) regulation, requiring retirees to withdraw a minimum fraction from their retirement accounts or pay excise taxes on withdrawal …

Tax-qualified vehicles helped U.S. private-sector workers accumulate {dollar}25Tr in retirement assets. An often …-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD …) regulation, requiring retirees to withdraw a minimum fraction from their retirement accounts or pay excise taxes on withdrawal …

This Chapter explores how an environment of persistent low returns influences saving, investing, and retirement … the (system-defined) Full Retirement Age of 66. In the context of a zero-return environment, we show that workers will … optimally devote more of their savings to non-retirement accounts and less to 401(k) accounts, since the relative appeal of …

This Chapter explores how an environment of persistent low returns influences saving, investing, and retirement … the (system-defined) Full Retirement Age of 66. In the context of a zero-return environment, we show that workers will … optimally devote more of their savings to non-retirement accounts and less to 401(k) accounts, since the relative appeal of …

heterogeneity by education and sex. We find that introducing a longevity income annuity to the plan menu is attractive for most DC …. Optimal annuitization boosts welfare by 5-20% of average retirement plan accruals at age 66 (assuming average mortality rates …

heterogeneity by education and sex. We find that introducing a longevity income annuity to the plan menu is attractive for most DC …. Optimal annuitization boosts welfare by 5-20% of average retirement plan accruals at age 66 (assuming average mortality rates …